i need dental insurance that covers pre-existing cavitives where you dont have to wait forever (6 months or less) before you can have them fixed. the cheaper the better. Thanks for your help
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Most people will wait until they need something done so all dental insurance (except some groups) have waiting periods. You have four options with dental. 1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. 2. Insurance - Depending upon the policy: cost $30-$60 per person per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 6 months for minor work such as fillings and you'd pay 20% of the charges; and 18 months for major work and you'd pay 50% of the charges. Example - average cost for one white filling in my area is $121. With insurance you pay $25 after paying 6 months of premium (around $300 to $360). Advantage - you can use any dentist with most plans. 3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for one white filling in my area is $121. With discount plans you pay around $109. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 4. Fee for Service discount plans - Cost $7-$15 per month for individuals. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for one white filling in my area is $121. With fee for service plans you pay as little as $48. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered. You'll have to do the math for yourself to see which plan is better.
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Tuesday, December 7, 2010
Is there anyone who helps those in serious need of dental work without insurance ?
I have a root canal gone all wrong with a giant hole in one tooth on the bottom left and an exposed nerve on the upper right side making eating impossible and my wisdom teeth coming in to boot. Can anyone help?
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands since. From root canals, xrays, fillings, crowns..etc. They even had my very affordable benefits active in 2 hours and was able to use it the very same day. hope this helps.
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I would encourage a visit to this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands since. From root canals, xrays, fillings, crowns..etc. They even had my very affordable benefits active in 2 hours and was able to use it the very same day. hope this helps.
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Dental insurance through the canadian government for low income person??
I need my wisdom teeth out and wanted to know if there is any program through the government for low income people. the surgery will cost around $1100.
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No there isnt
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No there isnt
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Does the USJA insurance cover dental?
I'm in USJA and I had a class today. Needless to say I chipped my tooth. Will my USJA insurance cover for a filling? (It's too late to call them and I'm panicking a bit because otherwise I don't have any health/dental insurance to pay for it.)
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I can't find any copies of my old documents, so I'm not 100% sure whether they would cover it or not, but you'll probably be stuck paying for it regardless. The USJA Insurance policy has a $2500 deductable. This means that they won't cover jack until you pay $2500 out of your own pocket first, and getting your tooth fixed won't cost nearly that much.
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I can't find any copies of my old documents, so I'm not 100% sure whether they would cover it or not, but you'll probably be stuck paying for it regardless. The USJA Insurance policy has a $2500 deductable. This means that they won't cover jack until you pay $2500 out of your own pocket first, and getting your tooth fixed won't cost nearly that much.
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Is there any kind of help for people who don't have dental plans or insurance??? or organizations?
I mean my wife hast two fractured teeth and she can't stand the pain,Every single day she crys about the painf. We don't have any money to go to like a dental clinic and we can't afford any dental insurance, somebody please help me I don't know what to do.
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you can find a dentist who is very generous and sometimes they can put you on a payment plan, if that office does that sort of thing, and you can pay them whatever a month or however you set it up, so i would recommend searching for dentist and calling them all and telling the office manager or maybe even the dentist your situation and they might be able to help you out.
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you can find a dentist who is very generous and sometimes they can put you on a payment plan, if that office does that sort of thing, and you can pay them whatever a month or however you set it up, so i would recommend searching for dentist and calling them all and telling the office manager or maybe even the dentist your situation and they might be able to help you out.
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Whats the best dental insurance to cover for braces? AmeriPlan?
braces for adults in general...? and what exactly is AmeriPlan... if they are not insurance...what are they? and are they dependable?
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Yes they are very dependable I am a Ameriplan rep. Ameriplan is an Discounted dental and medicare provider. Instead of you paying full price at your dentist visits, you will pay a disounted rate that will be given to you on the spot. Will save up to 80% on you dental visits and procedures We offer our members these savings: * Up to 80% Savings on Dental Care * Up to 60% Savings on Vision Care * Up to 50% Savings on Prescriptions * Up to 50% Savings on Chiropractic Care We currently have almost 2 million members using our services with 90% of our members keeping their memberships. That tells you how much we are helping our members save money while they can enjoy better health. This is not insurance. This is a provider access organization offering our members large discounted rates on Dental, Vision, Prescription, and Chiropractic care. Enjoy all of these benefits when using AmeriPlanUSA® : * Use as often as you like! No limits! * All pre-existing conditions are covered! (except braces already in progress) * No deductibles! * No age limit! * No claim forms! * No waiting period! * Change providers whenever you like! * Very affordable! * 100% Money-Back Guarantee We want to help everyone to be able to enjoy good health, so we keep our benefits at very affordable prices. For an individual: Only $11.95 a month! For an entire household: Only $19.95 a month!
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Yes they are very dependable I am a Ameriplan rep. Ameriplan is an Discounted dental and medicare provider. Instead of you paying full price at your dentist visits, you will pay a disounted rate that will be given to you on the spot. Will save up to 80% on you dental visits and procedures We offer our members these savings: * Up to 80% Savings on Dental Care * Up to 60% Savings on Vision Care * Up to 50% Savings on Prescriptions * Up to 50% Savings on Chiropractic Care We currently have almost 2 million members using our services with 90% of our members keeping their memberships. That tells you how much we are helping our members save money while they can enjoy better health. This is not insurance. This is a provider access organization offering our members large discounted rates on Dental, Vision, Prescription, and Chiropractic care. Enjoy all of these benefits when using AmeriPlanUSA® : * Use as often as you like! No limits! * All pre-existing conditions are covered! (except braces already in progress) * No deductibles! * No age limit! * No claim forms! * No waiting period! * Change providers whenever you like! * Very affordable! * 100% Money-Back Guarantee We want to help everyone to be able to enjoy good health, so we keep our benefits at very affordable prices. For an individual: Only $11.95 a month! For an entire household: Only $19.95 a month!
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Dental implants w/metlife insurance..in the NY Manhattan area or anywhere else?
Hi to all! Quick question. Would anyone happen to have any info on a dentist(s) who do implants and accepts metlife dental insurance in the NYC area? Having trouble locating one and i need a loooot of work done. all helpful answers appreciated . thanks a lot.
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Hello to you, too! :) Dental implants are not a covered expense with insurance companies, Met Life included. Log on to MetLife and you should be able to find a participating dentist in your area...this will at least help with the 'regular' work you need. Good luck~
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Hello to you, too! :) Dental implants are not a covered expense with insurance companies, Met Life included. Log on to MetLife and you should be able to find a participating dentist in your area...this will at least help with the 'regular' work you need. Good luck~
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